Building from 50 - experiences with short-term loans?

The term cannot exceed 20 years due to reaching the retirement age limit.

I never understand that. Who is the claim from? From the builder or from the bank?
For example, the woman could theoretically still get money from the bank in 39 years....
We, for example, will also pay after retirement. The bank didn't care.

Ok, so far I have only looked in catalogs. Turnkey houses. For example Danwood from Poland (?)
Turnkey 130 offered for 160,000. Plus own wishes I thought it would be realistically 200,000?

Try searching here in the main forum for Danwood.
We had the same topic about 6 months ago.
Danwood house
+ foundation slab
+ architect fees
+ transport
+ incidental building costs

+ exterior facilities
+ carport

The + total about 100,000€, all minimum amounts
So you are at about 260,000€ or more

A 140 sqm house actually goes well over 200 thousand. Whether it ends up being 245 or 265 depends on the fittings, whether with ventilation system or without, whether with a great kitchen or a simple kitchen, whether with sliding doors or normal patio doors, and so on. Let's say 250 thousand over 20 years would be 12,500 p.a. to repay plus 2% interest. That would be roughly 1100 per month. If you manage that for 10 years it gets easier because then you increasingly notice inflation, the 1100 installment simply becomes less valuable and is easier to pay. But don't carry it into retirement. After twenty years, renovation needs arise. Then the place has to be paid off and you need capital for, I don't know, something at the house. New heating or something. Karsten

I see it as critical. Yes, it may be paid off by retirement age but what about after that

@everyone: Thank you very much for your thoughts and for reading and replying

Turnkey at provider Danwood I have understood already that without special requests a move-in after handover is possible. So the statement in brochures.

The term "turnkey" is indeed flexible - I have learned.

Yes - foundation slab, architect etc. I have planned in - I was probably too uninformed with a total of 15% additional construction costs?

I can understand the concerns with the simultaneous project of house building and desire to have children. I will and do not want to gamble our salaries for that to the last cent. Yes - there will be a salary increase for me - to about 60k - net, so another 200 more. For my partner it is so anyway due to master training - but I deliberately have not planned for that.

So far I have the following picture:

- rather an existing property instead of new construction
- catalog prices should be calculated with a factor x


Soon there is a house fair in our region. Let's see



what exactly do you mean by the list?


Best regards in the evening

I mean something like this, but related to you and to the right your estimated costs.

And if it should turn out to be a general contractor (GC) instead of individual contracts, then just the turnkey price + all listed items that are not included in the GC house price.

Is this template available here as a Word or PDF?